Sandbox External Account Test Cases

Plaid Test Scenarios

The test data below can be used in your sandbox workspace so you can test out the various authentication and micro deposit flows described in the External Accounts guide.

Instant Auth Testing Testing Scenarios

UsernamePasswordPinMFA CodeAnswerInstitutionScenario
user_goodpass_goodcredential_goodSuccessful Linking via Instant Auth
user_goodmfa_device1234Successful Linking via Instant Auth with MFA Code
user_goodmfa_selectionsYesSuccessful Linking via Instant Auth with MFA Selections
user_goodmfaquestions_answer"Successful Linking via Instant Auth with MFA Questions
n-rounds of m-questions per round, where 0 <= i, j < 9
answer, for j-th question in i-th round."
user_goodmfaselectionsanswer_1_1_0"Successful Linking via Instant Auth with Multiple MFA Selections
n-rounds of m-questions with o-answers per question
0 < n, m < 10 and 2 <= o < 10
answer_0, for m-th question in n-th round"
user_gooderror_COUNTRY_NOT_SUPPORTEDError Scenario where the country is not supported
user_gooderror_INSTITUTION_DOWNError scenario where the institution is down and the accounts cannot be gathered
user_gooderror_INSTITUTION_NOT_RESPONDINGError scenario where the institution is not responding and the accounts cannot be gathered
user_gooderror_INSTITUTION_NO_LONGER_SUPPORTEDError scenario where the institution is longer supported so accounts cannot be linked
user_gooderror_INSUFFICIENT_CREDENTIALSError scenario where the user hasn't provided sufficient credentials and the accounts cannot be linked
user_gooderror_INTERNAL_SERVER_ERRORError scenario where there's been an internal server error at Plaid
user_gooderror_INVALID_CREDENTIALSError scenario where the user has entered invalid credentials
user_gooderror_INVALID_MFAError scenario where the user has entered invalid MFA responses
user_gooderror_INVALID_SEND_METHOD
user_gooderror_ITEM_LOCKED
user_gooderror_ITEM_NOT_SUPPORTED
user_gooderror_MFA_NOT_SUPPORTED
user_gooderror_NO_ACCOUNTSError scenario where there are no valid accounts to pull back from the institution
user_gooderror_PAYMENT_INVALID_RECIPIENT
user_gooderror_PRODUCTS_NOT_SUPPORTEDError scenario where the requested products are not supported by the institution being linked
user_gooderror_USER_SETUP_REQUIRED

Instant Match Testing Scenarios

UsernamePasswordAccountRouting NumberAccount NumberInstitutionScenario
user_goodpass_goodPlaid (****1111)114015331111222233331111Houndstooth BankSuccessful Linking via Instant Match
user_goodpass_goodPlaid (****1111)210000211111222233331111Houndstooth BankSuccessful Linking via Instant Match

Micro Deposit Testing Scenarios

UsernamePasswordAccountRouting NumberAccount NumberInstitutionMicro Deposit Amount 1Micro Deposit Amount 2Scenario
N/AN/AChecking1100000001111222233330000N/A$0.01$0.02Micro Deposits for Checking Account
N/AN/ASavings1100000001111222233330000N/A$0.01$0.02Micro Deposits for Savings Account

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